Card Issuing Solutions

Card Issuing

End-to-end card issuing platform enabling you to launch physical and virtual cards instantly. Comprehensive solutions covering card manufacturing, personalization, and lifecycle management.

Multiple Card Options

Support for various card types to meet different business and consumer needs.

Debit Cards

Direct link to bank accounts

Credit Cards

Revolving credit lines

Prepaid Cards

Load-and-go solutions

Corporate Cards

Business expense management

Gift Cards

Promotional and gifting

Travel Cards

Multi-currency support

Supporting Major Card Schemes Worldwide

Our card issuing solution is fully certified and integrated with all major international and domestic card networks, ensuring seamless card acceptance globally.

Worldwide acceptance

Global network coverage

China's largest card network

Premium card services

Leading Asian payment brand

US-based global network

Multi-form Card-Account Relationships

Card-account relationship is the core of card digitization business, requiring account core support for one-card-one-account, multi-card-one-account, and one-card-multi-account scenarios.

Scene-Driven Business Architecture

Based on meta-calculation and smart architecture design concepts, reconstructing major business scenario frameworks to achieve coordinated operations across four domains.

Account Chain

Account Chain

Account system driven by scenario recognition, building complete account lifecycle management capabilities including account opening, balance management, and transaction records.

  • Account opening & closing
  • Real-time balance management
  • Multi-account parallel
  • Installment management

Transaction Track

Transaction Track

Full-process transaction tracking from authorization to clearing, supporting multi-channel transaction aggregation for complete data support in risk management.

  • Full transaction tracking
  • Multi-channel aggregation
  • Real-time status query
  • Historical record archiving

Core Engine

Core Engine

System core processing engine coordinating various business modules, providing standardized processing flows and rule engines with flexible orchestration.

  • Business rule engine
  • Flexible process orchestration
  • High-performance processing
  • Standard interface output

Risk Control

Risk Control

Engine-based scenario control system using customer behavior, risk profiling and transaction patterns for multi-dimensional risk assessment and differentiated control strategies.

  • Multi-dimensional risk assessment
  • Differentiated strategies
  • Real-time interception decisions
  • Risk report output

Nine Major Business Capabilities

Business based on meta-calculation, smart architecture, and engine-driven capabilities to build a complete card issuing business capability system.

01

Refined Accounting Capability

Based on transaction data users, achieve refined business accounting analysis and establish a refined accounting system from multiple dimensions.

02

Public Standard Empowerment

Support capabilities with user 5G, multi-channel, and institutional link access for rapid expansion.

03

Rapid Product Innovation

Relying on accumulated industry knowledge to quickly provide vertical industry application solutions and accelerate product launches.

04

Precision Risk Identification

Based on industry knowledge and product experience, "element" analysis extracts user behavior characteristics to assist risk decisions.

05

Cross-service Capability

Based on cross-service data middle-platform system, building multi-dimensional data analysis with hundreds of data points for precise customer identification.

06

Differentiated Analysis

Based on business rule systems, providing branch-level and product-level data analysis for precise customer identification.

07

Scenario-based Control

Based on transaction rules with thousands of user behavior characteristics, providing multi-dimensional risk control engine refined scenario-based control capabilities.

08

Diverse Equity Operations

Based on channel diversification, supporting diverse equity configuration for rapid deployment of different equity scenarios.

09

Full Profit Product Output

Supporting complete product profit analysis system for comprehensive profit accounting analysis at fine-grained product unit level.

Element-based Analysis with Calculation Logic

Decompose aggregated analysis statistics into fine-grained element planning, quantify customer profiling across dimensions, and utilize diverse data algorithms for factor-based processing.

Precision Customer Profiling

Aggregate and analyze card business data from customer, product, and account dimensions to create multi-dimensional customer profiles for personalized management.

Transaction Risk Control

Ultra-granular transaction data analysis with risk control through transaction rules and models, enabling multi-dimensional refined differential strategies.

Cross-service Data Clearing

Customer-centric aggregation of various service data, using algorithmic models to deeply mine cross-product and cross-service relationships for multi-dimensional analysis.

Refined Accounting Support

Configurable analysis segmentation forming fine-grained accounting units, enabling detailed accounting with more data accumulation for personalized services.

Strategic Fee Pricing

Support multiple billing methods with flexible pricing strategies for individual cards, diverse billing rules overlay, and complex billing modes.

Transaction Accounting Productization

Support multi-dimensional accounting splitting by product, branch, and installment period, enabling precise matching of accounting data with products.

Technical Architecture Layers

Access Layer
Banking ChannelsEnterprise SystemsThird-party PlatformsMobile Apps
Service Layer
Authorization ServiceAccounting ServiceClearing ServiceRisk Control ServiceReporting Service
Core Engine
Product EngineRule EngineBilling EngineNotification Engine
Data Layer
Transaction DatabaseAccounting DatabaseRisk Control DatabaseReporting Data Warehouse
Infrastructure
Cloud Native PlatformContainer OrchestrationDistributed CacheMessage Queue

Technical Capability Innovation

Cloud Native Architecture

Cloud-based deployment design with elastic scaling and high availability, advanced technology stack.

Distributed Transactions

Distributed transaction processing ensuring data consistency and business reliability across services.

R&D Process Improvement

Automated test coverage, continuous integration and deployment for rapid response to business changes.

AI Empowerment

Integrating AI technology for intelligent risk control decisions, improving business processing efficiency and accuracy.

Data Security

Full-link data encryption, fine-grained permission control, meeting financial regulatory compliance requirements.

Flexible Expansion

Modular design, microservices architecture for rapid integration with third-party systems and external platforms.

Ready to launch your card program?

Start issuing cards with our comprehensive platform and industry expertise.